Terms of Use

Welcome to our home insurance services platform. Please read these Terms of Use carefully before accessing or using our website or services. By accessing or using our platform, you agree to be bound by these Terms of Use.

1. Acceptance of Terms

By accessing or using our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these terms, please do not use our platform.

2. Service Description

Our platform provides information about home insurance policies, coverage options, and related services. We offer tools to help users understand, compare, and potentially purchase home insurance products. The information provided on this platform is for general informational purposes only and is not intended as, and should not be considered as, professional insurance advice.

3. User Eligibility

Our services are available only to individuals who are at least 18 years old and capable of forming legally binding contracts under applicable law. By using our platform, you represent and warrant that you meet these eligibility requirements.

4. User Account

To access certain features of our platform, you may need to create a user account. When you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your account credentials confidential and secure
• Be fully responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

5. User Content

You may have the opportunity to submit content to our platform, including but not limited to reviews, comments, and information related to insurance claims. By submitting content, you:

• Represent that you own or have the necessary rights to such content
• Grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content
• Agree not to submit content that is unlawful, defamatory, obscene, offensive, or otherwise objectionable

6. Prohibited Activities

When using our platform, you agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others, including intellectual property rights
• Interfere with or disrupt the operation of our platform
• Attempt to gain unauthorized access to any part of our platform
• Use our platform to send unsolicited communications
• Impersonate another person or entity
• Use automated means to access or collect data from our platform without our prior consent
• Upload viruses or other malicious code

7. Intellectual Property

All content on this platform, including text, graphics, logos, images, audio, video, and software, is our property or the property of our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or otherwise use any content from our platform without our prior written consent.

8. Third-Party Links and Services

Our platform may contain links to third-party websites and services. We do not control or endorse these third-party sites and are not responsible for their content, policies, or practices. Your interactions with third-party sites are solely between you and the third party.

9. Insurance Information and Quotes

While we strive to provide accurate information about insurance products, the specific terms, conditions, coverages, exclusions, and limitations of any insurance policy are governed by the policy documents issued by the insurance company. Any quotes provided through our platform are estimates and are subject to verification and acceptance by the insurance company.

10. Disclaimer of Warranties

OUR PLATFORM AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR PLATFORM
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR PLATFORM
• ANY CONTENT OBTAINED FROM OUR PLATFORM
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

12. Indemnification

You agree to defend, indemnify, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our platform or your violation of these Terms of Use.

13. Modifications to Terms

We reserve the right to modify these Terms of Use at any time by posting the revised terms on our platform. Your continued use of our platform after the posting of the revised terms constitutes your acceptance of the changes.

14. Termination

We may terminate or suspend your access to our platform immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms of Use. Upon termination, your right to use our platform will immediately cease.

15. Governing Law and Dispute Resolution

These Terms of Use shall be governed by the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms of Use shall be resolved exclusively in the state or federal courts located in New York County, New York.

16. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our platform and supersede all prior agreements and understandings, whether written or oral.